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Mortgage Qualifier Calculator

Enter your finances and the home

$

Before taxes, for everyone on the loan.

Monthly debt payments

$
$
$

Include child support and alimony. Not rent or utilities.

The home

$
$
%
Taxes, insurance and closing costs
% of price
% / yr
$/ yr
$/ mo

Your qualification

Programs you qualify for

–

Down payment

–

Gross monthly income

–

Other debt payments–
Lowest payment that qualifies–

Down payment is your cash minus closing costs. Ratios use the full housing payment: principal, interest, property tax, insurance, HOA dues and mortgage insurance.

Result by loan program

Each ratio is shown against the program's limit. The last column is the highest price that would pass with the same income, debts and cash.

ProgramResultLoan amountHousing paymentHousing ratioTotal DTIWhyHighest price that passes

Program rules

Typical federal and agency limits, filled in for you. Edit any figure to match a lender's overlay or a quote. Leave a housing-ratio limit blank if the program has none.

ProgramHousing ratio limitTotal DTI limitMinimum downMortgage insurance per yearUpfront fee added to loan
Conventional (automated underwriting)

Fannie Mae DU limit; PMI dropped at 20% down

%
%
%
%
%
Conventional (manual underwriting)

Up to 45% with strong credit and reserves

%
%
%
%
%
FHA

580+ credit score, no compensating factors

%
%
%
%
%
VA

Funding fee for first use, under 5% down

%
%
%
%
%
USDA guaranteed

Rural areas and income limits apply

%
%
%
%
%

Sources: VA 41% total ratio (38 CFR 36.4340) and 2.15% first-use funding fee; USDA 29% / 41% (7 CFR 3555.151) with fiscal 2026 fees of 1% upfront and 0.35% a year; FHA 31% / 43% without compensating factors, 1.75% upfront and 0.55% annual premium; Fannie Mae 50% through Desktop Underwriter and 36% manual. Not checked here: credit score, loan limits, VA residual income, USDA income and location limits, and cash reserves.

Results are estimates for educational purposes and are not financial, tax or legal advice.

Check one home against the debt-to-income and down payment rules of conventional, FHA, VA and USDA loans. See which programs you pass, why any fail and the highest price each would allow. Pair this with the house affordability calculator online for a fuller picture before you make a decision.